Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$162,138Cash toward the purchase price.
Closing costs + prepaids$19,603Not just lender fees.
Before credits & paid funds$181,741The complete starting cash picture.
Estimated remaining funds due at closing
$181,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,138.05
Your down payment$162,138.05
Closing costs + prepaids$19,603.32
Total buyer cash needed$181,741.37
Remaining funds due$181,741.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,188.81
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,072.25
Prepaid interest, first (20 days)$1,125.26
Fees + prepaids$19,603.32
Your down payment is the seller’s equity. You take over the $637,762 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $181,741.37 is due at closing. Uses and sources reconcile at $819,503.32 each. Not a Closing Disclosure.